3 ms·
It’s called a deductible. People don’t pay their bills anymore, unless they absolutely have to.
by tiahura 3y ago
It’s called a deductible.
People don’t pay their bills anymore, unless they absolutely have to.
- Supermancho 3y agoGenerally this is true. For anything over a thousand, I try to negotiate. Most of the time they rather compromise than fight/sell it at a % to collections.
- aantix 3y agoI’m curious too - what’s your best strategy for lowering?
- tiahura 3y agoCall and tell them you cant pay. Will they accept (whatever 20% of the bill is). They will say no, but they will take X. Say, sorry I can't pay X how about (30%)....
- robterrell 3y agoHow exactly do you negotiate? After you get a bill, you call their billing number and just ask for a lower number?
- Supermancho 3y agoI have simply had to say, I can't pay this* (*despite the fact it's simply violating my budget). What's the process for after a bill's due date expires? Sometimes the response is: it gets a penalty added. I reply, I can't pay that either. Can we work something out? Usually, I get connected to someone who will either offer a discount or payment plan. Sometimes this isn't going to be any better (payments for the total amount over time), but it's often interest free...since the whole point is that you can't manage it. Sometimes they are firm and say it will go to collections. At the heart of it, it's a matter of game theory. You don't get 100% of the discounts you don't pursue. For my health provider, I currently have an otherwise unmentioned number I can call for my medical bills that I can pay immediately, that gets me 25% off whatever the bill is. I would never have known about it, had I not said I couldn't pay a particularly large one.
- ch4s3 3y agoYep, that's basically it.